Payoneer alternatives for freelancers outside the US

Who wrote this list, and how were the options picked?

Vezmo wrote this list and is one of the options in it. Every fee and rule about another provider comes from that provider's own pricing or help page, opened on 24 Oct 2026, and each entry says where that provider does better. The order is not a ranking. Payoneer comes first because this guide compares against it.

We kept to options that let a US client pay you as a business, by ACH, wire or card. Apps that only receive personal transfers from family abroad are left out, as are apps we couldn't check on 24 Oct 2026.

How do the options compare?

This table shows who can use each option and its main published costs. The sections below give the detail, and the sources list links each provider's own page.

What does Payoneer do well, and what does it cost?

Payoneer's pricing page lists payouts from marketplaces and integrated platforms, with fees that vary by marketplace.

• Who it's for: freelancers, sellers and businesses in many countries.
• How you get paid: marketplace payouts, a USD receiving account, or a payment request your client pays by card or ACH.
• What it costs: Payoneer's pricing page, dated 1 Jan 2026, lists 1% (minimum $1) to receive into an account that isn't in your local currency, which is USD for most people outside the US. To get local currency, you can convert between your Payoneer balances for 0.5% and then withdraw for $1.50 in the countries on its list, or withdraw with conversion for 1.2% to 4%, with a minimum fee of up to $20 in some countries. A client paying by card costs you up to 3.99% + $0.49, and by ACH 1%. The account fee is $29.95 a year if you receive less than $6,000 in 12 months.
• Good if: your platforms pay out to Payoneer, or you want one account for platform and direct income.

Where it's weaker: the fees stack. A $1,000 payment into a USD receiving account costs $10 to receive, then 0.5% plus $1.50, or 1.2% to 4%, to get it into local currency, and more where a minimum fee applies.

Can Wise or Grey give you USD account details?

Both can, but only in some countries. Check the provider's own list for your address before you plan around either one.

Wise

• Who it's for: people and businesses. Wise's help center says you can get USD account details on a personal or Wise Business account, and it lists the countries and regions where it can't issue them, based on your address. A US business with an address in some countries is restricted too.
• How you get paid: your client pays your USD details by ACH or wire.
• What it costs: Wise's US pricing page lists account details as free on personal accounts, and its business pricing page lists a one-time 31 USD fee. Receiving domestic USD payments that aren't wires is free. USD wire and SWIFT payments cost a fixed $6.11 each. Converting costs from 0.23%, depending on the currency. Wise's page for your country may differ.
• Good if: Wise issues USD details at your address and your clients pay by ACH.

Grey

• Who it's for: individuals. Grey's help center says its US accounts are issued only to full-time employees and freelancers. Its country list covers Africa, Europe, Asia, the Americas and Oceania.
• How you get paid: clients pay a US account by ACH, FedNow or Fedwire.
• What it costs: Grey's help center lists 0.8% per ACH or FedNow payment received (minimum $2, maximum $10) and a flat $20 per Fedwire. Converting USD to most other currencies costs 1%. Its pricing page says there are no account maintenance fees.
• Good if: you freelance or work for a foreign employer in one of Grey's listed countries and you're paid by ACH.

What are the options for registered companies and larger invoices?

Slash Global USD

• Who it's for: companies. Slash's help center says Global USD is solely for businesses incorporated outside the US, and says Global USD is available in over 100 countries. Your business must be legally incorporated, and approval isn't guaranteed. Slash says the Global USD account is a crypto wallet, not a bank deposit. The application asks for formation documents, owner details and proof of operating activity. It doesn't mention freelancers or sole traders.
• How you get paid: ACH and wire to US account details, plus SWIFT, USDC and USDT. Slash's help center says Global USD balances are held in USDSL, a stablecoin pegged to the US dollar.
• What it costs: Slash's pricing page lists a Free plan at $0 and Pro at $25 a month, $25 per outgoing international wire, and a 1% card foreign transaction fee (minimum $0.40). It doesn't list separate fees for Global USD.
• Good if: you run an incorporated company and want a USD account with stablecoin and cards that you can apply for today.

Direct SWIFT wire to your bank at home

• Who it's for: anyone with a bank account in their own country, freelancer or company.
• How you get paid: your client's bank sends an international wire to your account using your bank's SWIFT code, sometimes through intermediary banks.
• What it costs: the sending bank, any intermediary bank and your bank can each charge a fee, and your bank sets the exchange rate. Ask your bank for its schedule of charges.
• Good if: your clients are companies that already pay suppliers by wire, and your invoices are large enough that fixed fees matter less.

Where does Vezmo fit?

Vezmo is a financial technology company, not a bank. Banking services are provided by regulated partners & Banks, and how money is held explains the setup. It is built for people and businesses who bill clients directly.

• Who it's for: businesses, including freelancers and sole traders working for themselves. It serves businesses registered in the US and many other countries, and checks which details yours can get when you apply.
• How you get paid: VezmoPay invoices and payment links that clients pay by card, ACH, Apple Pay or Google Pay are live; which of these your business can use is confirmed when you apply. USD details for ACH and wire are in early access: clients pay into an account held by a regulated partner, and the money is credited to your balance. Payouts to bank accounts in 150+ currencies are in early access too, with the rate, fee and expected arrival shown before you confirm.
• What it costs: USD account details are free, and receiving ACH and domestic wire (Fedwire) payments to them is free. Conversion and payout fees are shown before you confirm. If a client wants to pay by card instead, VezmoPay invoices start at 2.79% + $0.29.
• Not yet: USD details and payouts are in early access, not generally available. Vezmo is built for clients you invoice directly. For marketplace income, use what the platform supports, such as Payoneer.
• Good if: you invoice clients directly and want card and ACH payments, USD details and payouts in one place.

Read more about getting paid as a freelancer by clients abroad.

How do you choose between them?

1. 1Start with how your clients payPlatform payouts point to Payoneer or whatever the platform supports. Clients paying from a US bank point to USD account details. Clients who pay by card need an invoice or payment link that takes cards.
2. 2Check that you can open itSee whether the option takes individuals, companies or both, and whether it serves your country. Wise and Grey depend on where you live, and Slash needs an incorporated business.
3. 3Add up the whole pathOn a $1,000 ACH payment, the published receiving fees are $10 at Payoneer, $0 at Wise, $8 at Grey and $0 when the client pays your Vezmo USD details by ACH. Then add conversion and withdrawal: Payoneer's 0.5% plus $1.50, or 1.2% to 4%, Wise's conversion from 0.23%, or Grey's 1%. With Vezmo, the payout rate and fee are shown before you confirm. Compare the amount you would actually receive in your own currency.
4. 4Check how you take money outLook at withdrawal fees, minimums, the exchange rate and timing.
5. 5Ask your bank about foreign incomeYour bank can tell you which documents it needs for income from abroad, which rate and charges it applies, and what your central bank's foreign exchange rules require.
6. 6Keep what worksYou can keep Payoneer for platform income and use a second option for direct clients.

For the steps to set up payments from US clients, see how to get paid by US clients from abroad.

Questions

Sources

Each one is the organization’s own page, checked 24 Oct 2026. Rules and fees change, so check them before you act.

• Wise: Business pricing (US)
• Payoneer: Pricing (page dated 1 Jan 2026)
• Wise: Can I get USD account details?
• Wise: Pricing (US)
• Wise: Receive money pricing (US)
• Grey help: Why can't I request a US account?
• Grey help: Deposit fees (USD)
• Grey help: Conversion fees
• Grey: Pricing
• Slash: Global USD
• Slash help: What's the Slash Global USD Account?
• Slash help: Supported countries for Global USD (updated 22 Jul 2026)
• Slash help: How to apply for the Slash Global USD Account
• Slash: Pricing

Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks. Last reviewed 24 Oct 2026.